What Is Counterpart Insurance?
Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. 1,2
Read the Counterpart Professional Liability (E&O) Insurance page
What Is Embroker?
Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. 8,9,10
Read the Embroker Professional Liability (E&O) Insurance page
What Is Professional Errors and Omissions (E&O) Insurance?
Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. 12,13,14,15
Key Differences in Professional Liability (E&O) Insurance
Program Structure and Professional Fit
Embroker describes a standalone professional-liability policy for fee-based advice and services, while directing lawyers and doctors to specialized coverage and separating technology E&O/cyber. Counterpart lists separate programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare and lawyers. Buyers in regulated professions should compare the specialized route each provider identifies; others should test the general form against the actual services and client contracts. 3 4 5 6 11
Deductible Options and Quote Route
Embroker offers online quoting and describes aggregate-deductible and first-dollar-defense options. Counterpart describes modular limits and sample terms for selected professions through wholesale brokers. Those choices change how defense spending affects your out-of-pocket cost; compare the deductible wording and limit structure in the proposals. 3 7 6 11
What to Confirm in Professional Liability (E&O) Insurance Quotes
Counterpart and Embroker Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Counterpart Review Score
Review Score
No reviews found
We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.[7][10]
Read Counterpart reviewsEmbroker Review Score
Review Score
3 rated sources
Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.[4][6][7]
Read Embroker reviewsCounterpart vs Embroker Professional Liability (E&O) Compared
Counterpart vs Embroker: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Counterpart Professional Liability | Embroker Professional Liability Insurance |
|---|---|---|
| Role in This Line | Counterpart describes its product distribution through Counterpart Insurance Services, Inc. and wholesale brokers. 1,7Company-reported. The cited marketing pages do not identify the insurer for a particular professional-liability risk or state. | Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. 11Company-reported. Product-page description; not a statement about the issuing insurer. |
| Who It’s For | Counterpart lists distinct professional-liability programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare and lawyers. 3,4,5,6Company-reported. Each page has its own occupation scope; no single eligibility rule applies across all four products. | Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. 11Company-reported. Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business. |
| Coverage Features | The Lawyers Professional Liability page describes claims arising from lawyers’ professional services; the MPL page gives service-related negligence and financial-loss examples. 6,3Company-reported. These are distinct program summaries and do not establish identical policy triggers or coverages. | Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. 11Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). 11Company-reported. Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections. |
| Limits and Retentions | Counterpart says its professional pages support modular limits and presents sample limits and retentions for selected professions. 3,6Company-reported. Published examples are illustrative, not terms available to a particular applicant. | Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. 11Company-reported. Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting. |
| How to Apply | Confirm in your quote. | Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. 11Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research. |
Related Pages for Counterpart vs Embroker Professional Liability (E&O)
Professional Liability (E&O) Pages for Counterpart and Embroker
Other Coverage Lines Compared for Counterpart vs Embroker
Other Professional Liability (E&O) Insurance Provider Comparisons
Sources for Counterpart vs Embroker
Sources About Counterpart
- Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
- About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
- Professional & General Liability. Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms. Accessed 2026-09-30.
- Architects, Engineers, & Contractors Liability. Counterpart, Inc.; Retained provider source: A&E/contractor class examples, services, enhancements and illustrative limits; prior access 2026-09-28. Accessed 2026-09-28.
- Allied Medical & Healthcare Liability. Counterpart, Inc.; Retained provider source: names allied healthcare classes, combined coverage/enhancements and illustrative limits/examples; does not establish conventional malpractice for every medical profession or standalone general liability. Prior access 2026-09-28; direct reopen failed in this session. Accessed 2026-09-28.
- Lawyers Professional Liability Insurance. Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific. Accessed 2026-09-30.
- How can I get insurance through Counterpart? Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. Accessed 2026-09-28.
Sources About Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Professional Liability Insurance Coverage & Quotes. Embroker; Why it's essential; Who needs this coverage; What is Professional Liability insurance?; What's covered; What's not included; Do I need Professional Liability insurance if I already have General Liability coverage?; Does it have a deductible? Accessed 2026-09-23.
Sources for the Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
